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Millennial’s are Stepping-Up

Melissa Jimenez 

Melissa works in the advertising industry and has a love for family, fashion, and property. Her passion for learning and success is strong. This tenacious young woman is on her way now – watch out world!

3 Key Things to Live By when starting out in the Property Business.

I bought my first investment property just a week short of turning 20. A lot of people ask me how on earth did I get into the property business so young but it’s been a lot of hard work. In the years leading up to my first purchase, I lived my life by three simple ideas to help keep me on track to achieving my goal. 

  1. Save Save Save.

I made the commitment to my savings very early on by deciding to begin funneling nearly all of my work money directly into my savings account as soon as pay day hit. I’d leave around $50 per week to help pay any bills and to have as minimal spending money.

The key here is to find small ways of saving as this can add up immensely over time. For example, I’d try to always make lunch at home for work instead of buying out, saving more than $10 a day. I also saved thousands by choosing to live at home rather than renting. If I did need to splurge and treat myself with a purchase, I was always sure to wait until there was a sale on so that I could best maximise my savings. You just have to be a little creative and the results will definitely speak for themselves. 

  1. Perseverance.

One thing that I have definitely learned during this journey is that you absolutely have to maintain motivation and faith that you will reach your goal. There were many a night where I would feel disastrous about the whole thing, feeling as if my goals were leagues and leagues away from me and as if the whole thing was just a waste of my time. There were days where I got so close to securing properties, only to have them fall through because someone else put in a deposit only hours before mine.

 When trying to enter the property market so many issues can come up, whether they be because of the loan, because of your savings or even because of your competition. You’ve got to stay vigilant and positive and keep pushing forward through the doubt. Create a good support network,  always have back up options and always persevere.The road to success is paved with obstacles at first but the more time you devote to it, you better you get at navigating them.

  1. Research. 

Research always pays off. Buying your first investment property is not an overnight job. It requires hours of self-education and investment in knowledge. I personally spent so much time on RealEstate,com comparing house prices in different suburbs and looking up insights to try and get the highest percentage of positive growth and cash flow. I immersed myself in Money Magazine every month as well, learning the tricks of the trade from others who have already achieved what I wanted to. It’s not a lot of effort to do these things for a few minutes each day but over the space of a few months, you’ll surprise yourself with how much you’ve really learned.

If you’re just starting out and find this all very overwhelming, I would very much recommend attending one of Jo’s Property Women talks as I found this immensely helpful as a starter as it just provides you with all the information you need to stay on track and gives you access to unbiased information about the property business. You can try and attend local property talks in your area but these are usually hosted by companies trying to sell your property so be wary and go just for the information. Stay smart, stay hungry, never stop learning. 

Could Your Money Personality Be Sabotaging You?

Guest Blog by: Denise Duffield Thomas

You know the feeling you get when you do “that thing” around money AGAIN?

Spend wildly on a new extravagance even though bills are due…

Hoard every penny even though you really want to splurge on a vacation…

Forgo a spa treatment because your daughter really wants that new pair of designer jeans…

Whatever you do with money, I bet you don’t just do it once. Most of us have habits with money — some of which serve us, and some which definitely do not.

So we do “that thing” again, and inside we feel unhappy. It’s not that we don’t want to treat ourselves, or save up money, or buy our loved ones special gifts.

It’s just that we feel like we’re making money decisions on autopilot. Like we’re not in control of the situation, and we’re not so sure we’re crazy about the results of our actions.

Well, what if I told you that you have a unique “money DNA” which is where those habits come from?

Even better, what if I told you that you could “crack the code” on your money DNA and start to leverage your money strengths, while compensating for your weaknesses — so you could stop repeating that same old money story and start living a new one?

You might wonder if it’s even possible to have a brand-new money story, especially if you feel like your habits are deeply ingrained.

If so, I hear you. I TOTALLY used to feel that way. I wasn’t born into any special privilege, and I didn’t have strong money models growing up.

Today, I run a multi-million dollar business that’s touched the lives of tens of thousands of women around the world. There was a time, though, when I felt like maybe, despite the fact that I had big dreams and was putting a ton of hard work into them, I wasn’t cut out for the success I dreamed of.

When I started my business several years ago, I used to run goal-setting workshops around town. I’d print the flyers at home (that I designed myself on Powerpoint no less) and tack them up on café notice boards.

One day, while driving to give one of my workshops, the felt ceiling of my car fell down around my head. I was literally driving to a workshop to inspire others to have more, be more, and do more… and the roof of my car was sagging down around my ears.

I realised in that moment that my money life needed a reset. I already knew how to manifest lots of things and experiences, but when it came to money, things just weren’t going the way I’d planned. I started to think maybe I didn’t have it in me to create a thriving business from my passion — that maybe it was never going to be my turn.

All of that changed, though, when I discovered Sacred Money Archetypes®.

For the first time in my life, I got a glimpse of what was possible for me if I would just work toward my strengths, instead of battling my weaknesses.

And for the first time, I got answers about why I’d put so many seeming obstacles to success in my own path. Turns out they weren’t actually obstacles, but rather preferences that, with a few simple tweaks could be capitalised on in a BIG way.

What are Sacred Money Archetypes®?

Well, remember I mentioned “money DNA” a minute ago?

Sacred Money Archetypes® is the work (created by Kendall Summerhawk) that will help you unlock your unique DNA around money, so you can use it to your advantage instead of letting it silently sabotage you.

(And yes, I’m speaking figuratively here — I know this isn’t “the” DNA that makes up living things! It’s just as important, though — especially if you want wealth and success in your future.)

Within your unique money personality is the seed of a healthy relationship to money — a code just like “the other” DNA — with all the potential to create any level of wealth, freedom, and fulfilment you can imagine.

This means you are designed to succeed. You just have to know how to move forward with the right knowledge about how to take care of yourself based on how you naturally show up with money.

I’m SO thankful I discovered this about myself with the Sacred Money Archetype® work — because as soon as I knew how to work with my innate “money DNA” my business really started taking off, and I found that my old self-sabotaging habits fell away.

The change for me was so profound that I became a certified coach in Kendall Summerhawk’s Sacred Money Archetypes® method and for years, I’ve been teaching it only on private retreats and with my one-to-one clients.

(Totally secret!)

Until now.

For the first time ever, I’m bringing the Sacred Money Archetypes® training to YOU.

Best of all, you can get started absolutely FREE.

>> Take My Free Lucky Money Quiz Now to discover your unique Sacred Money Archetypes®.

The Sacred Money Archetypes quiz and training series is a brand-NEW offering and is the perfect complement to any entrepreneur’s journey.

Whether you’re just getting started or you’ve been building your business for years, the thing about your money personality is that it doesn’t change. Who you are at the start of your business is who you are 10 years in.

The key to breaking the habits that keep you from having ALL the success you really want, is understanding what makes you tick and knowing how to change it.

So, what about you? Are you still self-sabotaging around money?

Do you find yourself under-earning — or earning plenty but never knowing quite where it all went? Are you plagued with emotions like fear, guilt, or shame around money? Do you cringe when trying to decide how to spend it?

There are endless ways we sabotage ourselves with money, especially when it comes to growing our businesses. The truth is, though, YOUR way is simply related to your particular Archetype.

In fact, as part of the training, I’m revealing what MY primary Archetype is, as well as exactly how I’ve used this knowledge to work around my own imperfections (we’ve all got ‘em, gorgeous) and create a multi-million dollar business PLUS a relaxed lifestyle I love, with plenty of time for all the people and things that are most important to me.

You may be very interested to learn, for instance, that I have this ONE characteristic you’d probably never associate with being a successful, multi-millionaire entrepreneur!

(You’ll want to watch Video #2 in the series to see if you relate to this one.)

To get started, take the quiz HERE and discover how your money personality may be sabotaging you, and exactly what to do about it.

You’ll discover SO much about yourself and your unconscious money beliefs just by taking the quiz — but remember, I’m not stopping there, because after you get your results, you’ll automatically be enrolled in a free video training program to help you apply what you’ve learned straight away.

I know from experience how powerful it is to understand your unique ‘money DNA’ and leverage it in your life and business, so you can stop sabotaging yourself when it comes to money.

Honestly, it’s like pressing ‘reset’ on your money story! When you know what’s been holding you back, you can pave a brand-new path to a brighter future with the financial freedom and impact you really want (not to mention being able to manifest everything on your dream board).

I’m sooo thrilled to offer the Sacred Money Archetypes® training to you. I know it will be life-changing for you, and I can’t wait to see you “on the inside.”

It’s your time, and you’re ready for the next step.

Xx Denise

property investing

Property Investing is a little like having a Baby!

In celebration of the birth of my new baby niece I have to share with you this thought. Okay, it is a little kooky/controversial but…

Property investing is a little like having a baby.

There, I said it and my sister-in-law who delivered in the hall outside the maternity ward is probably thinking I am a little crazy about now.

So just humour me a little.

The top 5 reasons (Jo believes) property investing is like having a baby….

1. Everyone has an opinion:

E.V.E.R.Y.O.N.E knows how you should calm your baby, or bring on labour, or what school is best or why you should introduce solids early or late…

In the same light, just attend any gathering of grown-ups and mention you are looking to invest in a house/villa/sub-division and you will have 48 different opinions, mostly fear and doom.

2. It is never the right time:

Having a baby is a big step in any relationship. There are many reasons to postpone reducing the household income by half and then adding a cost to the mix. You can postpone investing in property also for many reasons – logical or irrational. Your future self will thank you for starting – over analysis paralysis anyone?

3. It is expensive:

Property can start to bring you a financial ROI from the beginning.

You might need to wait 8 plus years before your little cherub starts to take out the bins or unstack a dishwasher.

Then there is the 300k-lifetime estimate to raise just one child.

Kids can also be very motivating – the more you have, the richer you need to be, having property helps!

4. It hurts:

No matter what exit strategy junior takes….it hurts… if not during (thanks modern medicine) then there will be some post ouch moments.

It is a pain with a reward, so is property investing, but it can be super stressful.

It can cause anguish, uncertainty and dig up a lot of unwanted self-doubt.

Be prepared – you will feel smug joy eventually!

5. You feel euphoric:

Whether you are a Mum or an Aunty or a Godmother or just like babies.

There is something about a baby that makes people smile. Holding your newborn is a huge heart melt for most new Mums regardless of all the other bits.

When you buy a property and it finally settles, you feel great! You get a tenant, you feel great, you renovate it, you feel great, it goes up in value by $280,000 in 2 years…get my point, see I am not mad!

Are you a Peter Pan?

Are you a Peter Pan? The new tribes of the property market.

July 25, 2016 from

Peter Pan
Debbie Schipp @debbieschipp

FORGET empty-nesters, newlyweds and nuclear families — a whole new set of social tribes are shaping how and where we live and what we live in. Think Social Singles, Peter Pans and the Home Work Tribe.
They’re the household groups dictating changes in everything from the housing market to business and transport.
New research by the Commonwealth Bank has identified 10 “tribes” that are emerging now, and by 2030 will be calling the shots.
For decades, Australia’s “tribes” have remained fairly consistent: flatting friends, newlyweds, nuclear families and empty-nesters.
But an evolving population, more higher-density living, increased multiculturalism and housing market dynamics are driving the formation of new groups, according to the CommBank Future Home Insights Series.
Commonwealth Bank executive general manager of home buying Dan Huggins said the emergence of the tribes would have a direct impact on how Australian property was built, renovated, bought and sold.
“We know that most of these groups have existed for some time, but the newest to emerge, and the ones that will have the biggest impact on how the home is set up in the future, will be the homework group, social singles and multigenerational clans,” he said.
“That social singles group is huge — and growing — it will be the biggest group by 2030 and the biggest part of the market.
Social singles are the fastest growing new tribe.
“For us it’s about understanding the needs of our customers and knowing how to meet those changing needs over time — it might be guarantor loans or split loans, and adapting our approach to how we service those markets to suit those customers.”

Social researcher Mark McCrindle said the new “tribes” told us a lot about who we were as Australians and were a departure from the standard way we thought about groups.
“Traditionally we think about tribe based on demographics and age,” Mr McCrindle said.
“This is a move to ‘psychographics’ — more social trends and attitudes and lifestyles. We are who we are not because of our age or family situation, but because of our attitude to life and how we view it, adjust and reinvent.”
He said people now moved through more varied life stages — it’s no longer as simple as childhood, to teenager, to adulthood.
“We have extended adolescence into the 20s thanks to the stay-at-home generation. A middle-years life stage has emerged,” he said.
“In the past people in their 60s were retirees. Now they’re ‘down-agers’ — younger than their years and reinventing themselves in their 60s and 70s.
“Politicians and businesses will need to understand and better engage with these groups and there’ll be new markets and services to meet their needs.”
Mr McCrindle said the new scribes had emerged because life markers had changed. Where the 20s was once the time for marriage and kids, the average age for giving birth is now 31.
“You have this extra decade that has created the social singles, and couples around for eight or nine years with no kids has created the DINKs,” he said.
“The retirement push back has seen the emergence of Peter Pans.”
So who are the 10 tribes?
The fastest growing tribe — 26 per cent of Australian homes will be single-person households by 2030. They want space easily set up for their work and life needs: reliable wireless technology, sliding separation doors and flexible building design. Their numbers will grow about two per cent annually, hitting three million households by 2030.
The DINKS prize entertainment, and inner city digs … when they’re home.
More couples under 45 are having children later in life or having none at all. DINKS (Double Income, No Kids) prioritise high incomes and entertainment, and feel the pull of inner city areas. DINK magnets in Sydney are Erskineville, Alexandria and Surry Hills. In Melbourne, DINKS want Kensington and Southbank. In Brisbane, they opt for Teneriffe, Fortitude Valley and Bowen Hills. Brompton is where it’s at for Adelaide, and Leederville in Perth.
Don’t feel sorry for them, smug homeowners. These people rent by choice and a third of them make up the rental market. They want the flexibility of renting where they want to live. They may prioritise lifestyle and travel over other financial commitments. This tribe includes young people, as well as professionals in higher-income brackets.
One in three workers employed will be on a freelance basis driving the need for flexible homes that can double up as the office. By 2030, with homes getting smaller, but with the home work tribe getting bigger, that will mean dual-purpose furniture: kitchen benches converting to work desks, and coffee tables becoming digital screens.
The rise in multiculturalism will see more extended families cohabiting with children, parents and grandparents all living under the one roof. Caring for family elders is still the norm in many parts of the world, and the multigenerational tribe puts family at its heart.

Like today’s nuclear families, in 2030 this tribe will still have two children on average — but everything else will be reinvented — thanks to the inclusion of everything from same-sex couples to surrogate parents. Internationally, nuclear families are turning to co-housing communities and multi-family residencies.
This group is on the rise. Born between 1954 and 1965, this generation of Baby Boomers will be aged between 65 and 76 in 2030. But forget about retiring from life. This young-at-heart tribe has no intention of slowing down and will live independently as long as possible, enabled by the latest technology.
Members of the city switcher group are choosing the regional lifestyle over city life. That’s made easier by technology and regional transport links.
In 2030, people may choose shared accommodation at a later stage in life to rent with like-minded people. Many homeowners are also becoming midlife flatmates, realising empty spare bedrooms can generate rental income, either casually (think Airbnb) or by taking in a long-term tenant.

With an influx of new developments and high-rise apartments expected in some capital cities, property accumulators of the future will need to be more sensitive to the needs of the household tribes that inhabit their properties.
With the new tribes will come new demands — and freedoms — in architecture, says Australian Institute of Architects NSW chapter president Shaun Carter.
“We won’t be necessarily bound to the social norms and structures that formed our past,” he said.
It will see new trends including adaptive architecture, under which homes will be built with reconfiguration and adaptation to changing lifestyles and budgets in mind — think flexible floor plans, sliding walls and mechanical ceilings.
Health and well-being homes won’t just protect you from the elements, they’ll actively make you feel better — assessing heart and breathing rates and mood when you walk in, and adjusting light and music to suit, as well as reminding you to be more active, helping “Peter Pans” live independently for longer.
Closed-loop homes by 2030 are forecast to operate as self-sufficient ecosystems, generating their own electricity, getting rid of waste and recycling water.

New Year

Celebrate It’s a New Year…

Portrait of a young businesswoman working with papers in office

I always totally look this hot and well ironed when doing paperwork!

It is New Year’s Eve but minus the fireworks – or perhaps fireworks of a different less spellbinding kind.

June 30 spells the end of the financial year and like every year before I spend the last week madly scrambling about finalising payments, wondering why I didn’t put my health benefits bonus to better use and lamenting my personal bookkeeping qualities.

….and now she is here, June 30th, in all her glory.

Like all NYE’s I ponder my resolutions for the year ahead…

Yes, I will put every property expense into Xero/Excel as soon as it emerges, I will keep a better system of notes for all my properties, I will do my taxes asap so they don’t become a mental burden and I will review all of my interest rates across my portfolio and hassle lenders accordingly for a review.

Does this sound like you?

If you have a property portfolio be sure to match this with a good, actually make that, great, Accountant. Look into a depreciation schedule if you haven’t already done so, regularly review your properties. When was the last time rent was increased, is it past due?

Are you getting the maximum gain from your portfolio? Are you better off exploring different options – like a property management shake-up or a shift to short-term holiday letting?

When was the last time you refinanced, ever? never? What about assessing your ability to borrow again? What financial goals are you setting yourself for FY17?

It is only June 30th but this lady needs a drink…plus it is also my first anniversary.

On July 1st last year I stepped into this position and what a glorious year it has been.

Biggest warmest squishy hugs to the wonderful team at Property Women for your amazing support and to all of you in the greater PW community for your sass, spirit and enthusiasm!

Happy New Year,


What is a Buyers’ Agent?

Buyers Agents are licensed agents who represent the buyer in a real estate purchase. Typically, this involves finding properties that satisfy clients purchasing criteria, carrying out the due diligence and assistance in acquiring the property by negotiation or at auction.

Buyers Agents are governed by legislation and codes of conduct as prescribed by the Office of Fair Trade.

You can expect the following from a Buyers Agent (or Buyers Advocate)

  • Sourcing off-market or pre-market listings
  • Reduce your investment of time
  • Understands the market very well
  • Knows how to look out for clever purchasing opportunities
  • Can provide clear feedback
  • Liaise with your solicitor, broker and sometimes architect
  • Call council on your behalf
  • Arrange strata reports and pest and building inspections
  • Save you stress and act as your wingman (or woman)
  • Negotiate the best deal for you
  • Provide valuable advice throughout the buying process

Buyers Agents work for the buyer and by law must disclose any commissions payable or received. It is illegal for a Buyers’ Agent to receive a commission from their client and then from a vendor.

Through industry experience and networks established a good buyers’ agent will have greater experience, access to more data and information that results in benefits passed on to their clients ensuring you make a well informed and educated decision.

As a third party there is no emotion in the deal, a good buyers’ agent will look at facts and market factors for decisions. They are skilled negotiators and save you time by narrowing down your property search.

Buyers Agents can save their clients tens of thousands of dollars, from not buying the wrong property to ensuring they negotiate the lowest achievable price for the right property.

To find a reputable Buyers’ Agent you can look to industry bodies such as or your states Real Estate Institute or sites such as www.localhost/propertywomen who have affiliate partners in all capital cities.

if you’d like to take a look at the buyers agents we have on our Property Professionals Network please follow this link